{"id":84925,"date":"2026-05-11T14:11:18","date_gmt":"2026-05-11T08:41:18","guid":{"rendered":"https:\/\/univest.in\/blogs-2\/?p=84925"},"modified":"2026-05-11T14:11:20","modified_gmt":"2026-05-11T08:41:20","slug":"niva-bupa-health-insurance-q4-results-fy26-pat-345-crore-2","status":"publish","type":"post","link":"https:\/\/univest.in\/blogs-2\/niva-bupa-health-insurance-q4-results-fy26-pat-345-crore-2\/","title":{"rendered":"Niva Bupa Health Insurance Q4 Results FY26 PAT Rs 345 Crore Up 67 Percent GWP Rs 2,880 Crore"},"content":{"rendered":"<div class=\"meta-block\">\u00a0<\/div>\n<p><a href=\"https:\/\/univest.in\/stocks\/nivabupa\/niva-bupa-health-insurance-company-ltd-share-price-today\">Niva Bupa Health Insurance<\/a> Q4 results for FY26 delivered strong performance with quarterly net profit jumping 67% year on year to Rs 345 crore, driven by robust premium growth and improved operating performance. The Niva Bupa Health Insurance Q4 results were announced on May 8, 2026, with Q4 gross written premium rising to Rs 2,880 crore from Rs 2,079 crore in the year-ago quarter.<\/p>\n<p>For the full fiscal year, the Niva Bupa Health Insurance Q4 results capped FY26 IFRS PAT growth of 80% to Rs 366 crore, with GWP rising 27% to Rs 8,586 crore (with 1\/n) or Rs 9,433 crore (without 1\/n). The Niva Bupa Health Insurance Q4 retail health market share improved to 10.1%, an increase of 76 basis points over FY25.<\/p>\n<p><a href=\"https:\/\/univest.in\/user\/log-in\"><strong>Get Free Stock Recommendations on Univest<\/strong><\/a><\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_65 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title \" >Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/univest.in\/blogs-2\/niva-bupa-health-insurance-q4-results-fy26-pat-345-crore-2\/#Niva_Bupa_Health_Insurance_Q4_FY26_Results_at_a_Glance\" title=\"Niva Bupa Health Insurance Q4 FY26 Results at a Glance\">Niva Bupa Health Insurance Q4 FY26 Results at a Glance<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/univest.in\/blogs-2\/niva-bupa-health-insurance-q4-results-fy26-pat-345-crore-2\/#Key_Highlights_from_Niva_Bupa_Health_Insurance_Q4_FY26_Results\" title=\"Key Highlights from Niva Bupa Health Insurance Q4 FY26 Results\">Key Highlights from Niva Bupa Health Insurance Q4 FY26 Results<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/univest.in\/blogs-2\/niva-bupa-health-insurance-q4-results-fy26-pat-345-crore-2\/#Market_Share_Gains_and_Customer_Metrics_Improve\" title=\"Market Share Gains and Customer Metrics Improve\">Market Share Gains and Customer Metrics Improve<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/univest.in\/blogs-2\/niva-bupa-health-insurance-q4-results-fy26-pat-345-crore-2\/#Underwriting_Profitability_Improving\" title=\"Underwriting Profitability Improving\">Underwriting Profitability Improving<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/univest.in\/blogs-2\/niva-bupa-health-insurance-q4-results-fy26-pat-345-crore-2\/#What_Drove_Niva_Bupa_Health_Insurance_Q4_FY26_Performance\" title=\"What Drove Niva Bupa Health Insurance Q4 FY26 Performance\">What Drove Niva Bupa Health Insurance Q4 FY26 Performance<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/univest.in\/blogs-2\/niva-bupa-health-insurance-q4-results-fy26-pat-345-crore-2\/#Outlook_for_FY27_After_Niva_Bupa_Health_Insurance_Q4_Results\" title=\"Outlook for FY27 After Niva Bupa Health Insurance Q4 Results\">Outlook for FY27 After Niva Bupa Health Insurance Q4 Results<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/univest.in\/blogs-2\/niva-bupa-health-insurance-q4-results-fy26-pat-345-crore-2\/#Conclusion\" title=\"Conclusion\">Conclusion<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/univest.in\/blogs-2\/niva-bupa-health-insurance-q4-results-fy26-pat-345-crore-2\/#Frequently_Asked_Questions\" title=\"Frequently Asked Questions\">Frequently Asked Questions<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/univest.in\/blogs-2\/niva-bupa-health-insurance-q4-results-fy26-pat-345-crore-2\/#What_was_Niva_Bupa_Health_Insurance_Q4_FY26_PAT\" title=\"What was Niva Bupa Health Insurance Q4 FY26 PAT?\">What was Niva Bupa Health Insurance Q4 FY26 PAT?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/univest.in\/blogs-2\/niva-bupa-health-insurance-q4-results-fy26-pat-345-crore-2\/#What_is_Niva_Bupa_FY26_full_year_profit\" title=\"What is Niva Bupa FY26 full year profit?\">What is Niva Bupa FY26 full year profit?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/univest.in\/blogs-2\/niva-bupa-health-insurance-q4-results-fy26-pat-345-crore-2\/#What_is_Niva_Bupa_market_share\" title=\"What is Niva Bupa market share?\">What is Niva Bupa market share?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/univest.in\/blogs-2\/niva-bupa-health-insurance-q4-results-fy26-pat-345-crore-2\/#What_is_Niva_Bupa_claim_settlement_ratio\" title=\"What is Niva Bupa claim settlement ratio?\">What is Niva Bupa claim settlement ratio?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/univest.in\/blogs-2\/niva-bupa-health-insurance-q4-results-fy26-pat-345-crore-2\/#How_is_Niva_Bupa_underwriting_profitability\" title=\"How is Niva Bupa underwriting profitability?\">How is Niva Bupa underwriting profitability?<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/univest.in\/blogs-2\/niva-bupa-health-insurance-q4-results-fy26-pat-345-crore-2\/#Recent_Article\" title=\"Recent Article\">Recent Article<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Niva_Bupa_Health_Insurance_Q4_FY26_Results_at_a_Glance\"><\/span><strong>Niva Bupa Health Insurance Q4 FY26 Results at a Glance<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<table>\n<tbody>\n<tr>\n<th>Metric<\/th>\n<th>Q4 FY26<\/th>\n<th>Change \/ Context<\/th>\n<\/tr>\n<tr>\n<td>Q4 Net Profit PAT<\/td>\n<td>Rs 345 crore<\/td>\n<td>+67% YoY<\/td>\n<\/tr>\n<tr>\n<td>Q4 Gross Written Premium<\/td>\n<td>Rs 2,880 crore<\/td>\n<td>+39% YoY<\/td>\n<\/tr>\n<tr>\n<td>FY26 IFRS PAT<\/td>\n<td>Rs 366 crore<\/td>\n<td>+80% YoY<\/td>\n<\/tr>\n<tr>\n<td>FY26 GWP (with 1\/n)<\/td>\n<td>Rs 8,586 crore<\/td>\n<td>+27% YoY<\/td>\n<\/tr>\n<tr>\n<td>Retail Health Market Share<\/td>\n<td>10.1%<\/td>\n<td>+76 bps<\/td>\n<\/tr>\n<tr>\n<td>Claim Settlement Ratio<\/td>\n<td>94.4%<\/td>\n<td>+205 bps<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>Track live Niva Bupa financials, analyst ratings and peer comparisons on the <a href=\"https:\/\/univest.in\/screeners\"><strong>Univest Screener<\/strong><\/a>.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Key_Highlights_from_Niva_Bupa_Health_Insurance_Q4_FY26_Results\"><\/span><strong>Key Highlights from Niva Bupa Health Insurance Q4 FY26 Results<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><span class=\"ez-toc-section\" id=\"Market_Share_Gains_and_Customer_Metrics_Improve\"><\/span><strong>Market Share Gains and Customer Metrics Improve<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Niva Bupa Health Insurance Q4 results FY26 showcased strong customer-centric outcomes. The Niva Bupa Health Insurance Q4 Net Promoter Score improved from +55 in FY25 to +60 at end of FY26. Active lives insured reached 25.2 million versus 20.8 million in FY25. Hospital network expanded to 10,566 with PPN hospitals at 1,116. Retail Health Accretion Market Share stood at 14.0% for FY26.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"Underwriting_Profitability_Improving\"><\/span><strong>Underwriting Profitability Improving<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>The Niva Bupa Health Insurance Q4 results FY26 Combined Insurance Service Ratio (CISR) improved to 101.4% for FY26, a 160 basis point improvement. The Niva Bupa Health Insurance Q4 CISR stood at 97.4%, indicating clear progress toward underwriting profitability. Diversified distribution led by Individual Agency (30.2%) and Brokers (29.5%) supports the growth trajectory across India.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"What_Drove_Niva_Bupa_Health_Insurance_Q4_FY26_Performance\"><\/span><strong>What Drove Niva Bupa Health Insurance Q4 FY26 Performance<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>The Niva Bupa Health Insurance Q4 results were driven by scale-led efficiencies, improved operating performance, and strong premium growth across distribution channels. The Niva Bupa Health Insurance Q4 digital adoption supports operating leverage with 100% of new policies via website\/mobile apps, 96.5% digital payments, and 92.1% claims submitted digitally. Cashless claims auto adjudication improved to 32.1% from 27.3% in FY25.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Outlook_for_FY27_After_Niva_Bupa_Health_Insurance_Q4_Results\"><\/span><strong>Outlook for FY27 After Niva Bupa Health Insurance Q4 Results<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Following the Niva Bupa Health Insurance Q4 results FY26, FY27 outlook depends on continued market share gains, underwriting profitability progress, and asset quality management. The Niva Bupa Health Insurance Q4 results FY27 trajectory will depend on health insurance penetration growth, competitive positioning versus Star Health, ICICI Lombard, and HDFC ERGO. The path to sustainable underwriting profitability is the key catalyst.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Conclusion\"><\/span><strong>Conclusion<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Niva Bupa Health Insurance Q4 results FY26 delivered Q4 PAT of Rs 345 crore up 67% with GWP growing 39% to Rs 2,880 crore. The Niva Bupa Health Insurance Q4 results FY26 IFRS PAT of Rs 366 crore up 80% and retail market share of 10.1% confirm strong execution. Investors tracking the Niva Bupa Health Insurance Q4 results should watch CISR improvement toward 100% and continued market share gains.<\/p>\n<p>Download the <a href=\"http:\/\/apps.apple.com\/in\/app\/univest-stocks-investment\/id6443753518\" rel=\"nofollow noopener\" target=\"_blank\"><strong>Univest iOS App<\/strong><\/a> or <a href=\"http:\/\/play.google.com\/store\/apps\/details?id=com.univest.capp&amp;hl=en_IN\" rel=\"nofollow noopener\" target=\"_blank\"><strong>Univest Android App<\/strong><\/a> for live Q4 results tracking and expert research.<\/p>\n<p><em><strong>Disclaimer:<\/strong> Investment in the share market is subject to risk. This article is for informational and educational purposes only and does not constitute investment advice. Univest analysts are SEBI-registered research analysts (SEBI RA: INH000012449). Verify all numbers before investing. Consult a SEBI-registered financial advisor before making any investment decisions.<\/em><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Frequently_Asked_Questions\"><\/span><strong>Frequently Asked Questions<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<h3><span class=\"ez-toc-section\" id=\"What_was_Niva_Bupa_Health_Insurance_Q4_FY26_PAT\"><\/span><strong>What was Niva Bupa Health Insurance Q4 FY26 PAT?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Niva Bupa Health Insurance Q4 results FY26 reported Q4 PAT of Rs 345 crore, up 67% year on year from Rs 206 crore, driven by Q4 GWP growth of 39% to Rs 2,880 crore.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"What_is_Niva_Bupa_FY26_full_year_profit\"><\/span><strong>What is Niva Bupa FY26 full year profit?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Full year FY26 IFRS PAT for Niva Bupa Health Insurance reached Rs 366 crore, up 80% year on year, with FY26 GWP at Rs 8,586 crore (with 1\/n), as confirmed in the Niva Bupa Health Insurance Q4 results FY26.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"What_is_Niva_Bupa_market_share\"><\/span><strong>What is Niva Bupa market share?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Niva Bupa Health Insurance Q4 results FY26 retail health market share improved to 10.1% at end of FY26, up 76 bps from FY25, with Retail Health Accretion Market Share at 14.0%.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"What_is_Niva_Bupa_claim_settlement_ratio\"><\/span><strong>What is Niva Bupa claim settlement ratio?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Niva Bupa Health Insurance Q4 results FY26 reported claim settlement ratio of 94.4%, an improvement of 205 basis points over the previous year, reflecting strong customer service execution.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"How_is_Niva_Bupa_underwriting_profitability\"><\/span><strong>How is Niva Bupa underwriting profitability?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p>Combined Insurance Service Ratio (CISR) in the Niva Bupa Health Insurance Q4 results FY26 improved to 101.4% for FY26 (160 bps better), with Q4 CISR at 97.4%, indicating progress toward sustainable underwriting profitability.<\/p><h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"Recent_Article\"><\/span><strong>Recent Article<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2><p><a href=\"https:\/\/univest.in\/blogs\/why-is-ahlucont-share-price-falling-key-reasons-2026\">Why Is Ahluwalia Contracts Share Price Falling Key Reasons 2026<\/a><\/p><p><a href=\"https:\/\/univest.in\/blogs\/why-is-ahlucont-share-price-falling-key-reasons-2026\">Why Is Ahluwalia Contracts Share Price Falling Key Reasons 2026<\/a><\/p><p><a href=\"https:\/\/univest.in\/blogs\/why-is-nuvoco-share-price-falling-key-reasons-2026\">Why Is Nuvoco Vistas Corporation Share Price Falling Key Reasons 2026<\/a><\/p><p><a href=\"https:\/\/univest.in\/blogs\/why-is-capacite-share-price-falling-key-reasons-2026\">Why Is Capacite Infraprojects Share Price Falling Key Reasons 2026<\/a><\/p><p><a href=\"https:\/\/univest.in\/blogs\/why-is-psp-projects-share-price-falling-key-reasons-2026\">Why Is PSP Projects Share Price Falling Key Reasons 2026<\/a><\/p>","protected":false},"excerpt":{"rendered":"<p>Niva Bupa Health Insurance Q4 results FY26 show PAT at Rs 345 crore up 67% YoY with GWP Rs 2,880 crore up 39%. FY26 IFRS PAT Rs 366 crore up 80%. Retail market share 10.1%.<\/p>\n","protected":false},"author":26,"featured_media":85023,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[842],"tags":[],"class_list":["post-84925","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-news"],"metadata":{"rank_math_internal_links_processed":["1"],"_edit_lock":["1778488902:26"],"_last_editor_used_jetpack":["block-editor"],"rank_math_primary_category":["842"],"rank_math_seo_score":["72"],"rank_math_focus_keyword":["Niva Bupa"],"rank_math_robots":["a:2:{i:0;s:7:\"noindex\";i:1;s:8:\"nofollow\";}"],"rank_math_title":["Niva Bupa Q4 FY26 Results PAT Rs 345 Cr Up 67% FY26 PAT Up 80%"],"rank_math_description":["Niva Bupa Q4 results FY26: PAT Rs 345 crore up 67%, FY26 IFRS PAT Rs 366 crore up 80%, GWP Rs 8,586 crore up 27%, retail market share 10.1%, claim ratio 94.4%."],"_thumbnail_id":["85023"],"_edit_last":["26"],"_ez-toc-disabled":[""],"_ez-toc-insert":[""],"_ez-toc-header-label":[""],"_ez-toc-alignment":["none"],"_ez-toc-heading-levels":["a:0:{}"],"_ez-toc-alttext":[""],"_ez-toc-visibility_hide_by_default":[""],"_ez-toc-hide_counter":[""],"_ez-toc-exclude":[""],"_ez-toc-position-specific":["before"],"stm_select_gm_zoom":[""],"stm_agenda":[""],"stm_host":[""],"stm_select_approved_denied":[""],"stm_multiselect_approved":[""],"stm_multiselect_denied":[""],"stm_date":[""],"stm_time":[""],"stm_timezone":[""],"stm_duration":[""],"stm_password":[""],"stm_waiting_room":[""],"stm_join_before_host":[""],"stm_host_join_start":[""],"stm_start_after_participants":[""],"stm_mute_participants":[""],"stm_enforce_login":[""],"stm_alternative_hosts":[""],"top_bar_custom_style":[""],"top_bar_bg":[""],"wc_top_bar_cart_custom_style":[""],"wc_top_bar_cart_color":[""],"wc_top_bar_cart_icon_color_hover":[""],"wc_top_bar_cart_counter_color":[""],"wc_top_bar_cart_counter_color_hover":[""],"wc_top_bar_cart_counter_bg":[""],"wc_top_bar_cart_counter_bg_hover":[""],"top_bar_wpml_switcher_custom_style":[""],"wpml_switcher_color":[""],"top_bar_wpml_switcher_bg":[""],"top_bar_wpml_switcher_bg_hover":[""],"top_bar_wpml_switcher_color_hover":[""],"top_bar_socials_custom_style":[""],"top_bar_socials_color":[""],"top_bar_socials_color_hover":[""],"top_bar_search_custom_style":[""],"top_bar_search_color":[""],"top_bar_search_icon_color_hover":[""],"top_bar_contact_info_style":[""],"top_bar_contact_info_color":[""],"top_bar_contact_info_link_color":[""],"top_bar_contact_info_link_color_hover":[""],"top_bar_contact_info_select_bg":[""],"top_bar_contact_info_select_color":[""],"top_bar_contact_info_select_drop_bg":[""],"top_bar_contact_info_select_items_bg":[""],"top_bar_contact_info_select_items_color":[""],"top_bar_contact_info_select_items_hover":[""],"header_inverse":["default"],"enable_header_transparent":["off"],"header_nav_custom_style":[""],"header_bg":[""],"header_shadow":[""],"wc_cart_custom_style":[""],"wc_cart_icon_color":[""],"wc_cart_icon_color_hover":[""],"wc_cart_counter_color":[""],"wc_cart_counter_color_hover":[""],"wc_cart_counter_bg":[""],"wc_cart_counter_bg_hover":[""],"header_wpml_switcher_custom_style":[""],"header_wpml_switcher_color":[""],"header_wpml_switcher_color_hover":[""],"header_wpml_switcher_bg":[""],"header_wpml_switcher_bg_hover":[""],"header_socials_custom_style":[""],"header_socials_color":[""],"header_socials_color_hover":[""],"header_search_custom_style":[""],"header_search_icon_color":[""],"header_search_icon_color_hover":[""],"header_contact_info_style":[""],"header_contact_info_color":[""],"header_contact_info_link_color":[""],"header_contact_info_link_color_hover":[""],"header_button_custom_style":[""],"header_button_color":[""],"header_button_color_hover":[""],"header_button_bg":[""],"header_button_bg_hover":[""],"header_nav_menu_customize":[""],"header_nav_menu_link_color":[""],"header_nav_menu_link_color_hover":[""],"header_nav_menu_link_color_active":[""],"header_nav_menu_link_arrow_color":[""],"header_nav_menu_link_arrow_color_hover":[""],"header_nav_menu_level_1_bg":[""],"header_nav_menu_level_1_link_color":[""],"header_nav_menu_level_1_link_color_hover":[""],"header_nav_menu_level_1_link_bg_hover":[""],"header_nav_menu_level_1_link_arrow_color":[""],"header_nav_menu_level_1_link_arrow_color_hover":[""],"header_nav_menu_level_2_bg":[""],"header_nav_menu_level_2_link_color":[""],"header_nav_menu_level_2_link_color_hover":[""],"header_nav_menu_level_2_link_bg_hover":[""],"header_mega_menu_bg":[""],"header_mega_menu_title_color":[""],"header_mega_menu_title_color_hover":[""],"header_mega_menu_description_color":[""],"header_mega_menu_description_link_color":[""],"header_mega_menu_description_link_color_hover":[""],"header_mega_menu_color":[""],"header_mega_menu_color_hover":[""],"header_mega_menu_border_color":[""],"header_mega_menu_icons_color":[""],"header_nav_menu_customize_end":[""],"hfe_enabled_notice":[""],"disable_title_box":["default"],"hfe_disabled":[""],"enable_transparent":["default"],"title_box_title_bg_color":[""],"title_box_bg_custom_image":["default"],"title_box_bg_image":[""],"title_box_bg_position":["default"],"metabox_title_box_bg_position_x":[""],"metabox_title_box_bg_position_y":[""],"metabox_title_box_bg_attachment":["default"],"title_box_bg_size":["default"],"metabox_title_box_bg_size_slider":[""],"title_box_bg_repeat":["default"],"disable_title":["default"],"title_box_title_color":[""],"title_box_title_line_color":[""],"disable_breadcrumbs":["default"],"metabox_title_box_breadcrumbs_color":[""],"metabox_title_box_links_color":[""],"metabox_title_box_links_color_hover":[""],"content_bg_transparent":[""],"show_popup_single":[""],"popups_single":[""],"popups_single_event":[""],"popup_single_event_open_delay":[""],"popup_single_event_showing_in":[""],"popup_single_event_date_from":[""],"popup_single_event_date_to":[""],"popup_single_event_time_from":[""],"popup_single_event_time_to":[""],"popup_single_animation":[""],"popup_single_responsive":[""],"separator_footer_copyright_border_t":[""],"name":[""],"email":[""],"phone":[""],"company":[""],"memberId":[""],"testimonial_position":[""],"testimonial_company":[""],"testimonial_bg_img":[""],"testimonial_video_url":[""],"popups_width":[""],"popups_height":[""],"popups_image_bg":[""],"popups_color_bg":[""],"popups_border_radius":[""],"popups_template":[""],"rank_math_analytic_object_id":["10860"]},"jetpack_sharing_enabled":true,"jetpack_featured_media_url":"https:\/\/univest-blog.storage.googleapis.com\/blogs\/wp-content\/uploads\/2026\/05\/11141047\/Niva-Bupa-Health-Insurance-Q4-Results.jpg","_links":{"self":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/posts\/84925","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/users\/26"}],"replies":[{"embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/comments?post=84925"}],"version-history":[{"count":1,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/posts\/84925\/revisions"}],"predecessor-version":[{"id":85025,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/posts\/84925\/revisions\/85025"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/media\/85023"}],"wp:attachment":[{"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/media?parent=84925"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/categories?post=84925"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/univest.in\/blogs-2\/wp-json\/wp\/v2\/tags?post=84925"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}